NNI Should I Buy
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Nelnet Inc (NNI) is not a strong buy at the moment for a beginner, long-term investor with $50,000-$100,000 available. While the company has shown exceptional financial growth in the latest quarter, technical indicators and trading signals do not currently support a strong entry point. The stock is trading near a key pivot level, and there are no significant positive catalysts or trading signals to suggest immediate upside potential. A hold action is recommended until stronger buy signals or catalysts emerge.
The MACD histogram is negative and expanding (-0.135), indicating bearish momentum. RSI is neutral at 42.016, suggesting no clear overbought or oversold condition. Moving averages are converging, showing no strong trend direction. Key support and resistance levels are Pivot: 131.531, R1: 134.392, S1: 128.67, R2: 136.16, S2: 126.902. The stock is trading slightly below the pivot level, indicating limited upside potential in the short term.
The company reported exceptional financial growth in Q3 2025, with revenue up 11.89% YoY, net income up 4370.76% YoY, and EPS up 4700.00% YoY. Gross margin also increased significantly to 65.6%.
Technical indicators suggest bearish momentum. There is no significant trading activity from hedge funds, insiders, or Congress. Additionally, the CFPB reported a rise in federal student loan complaints, which could negatively impact sentiment around Nelnet's student loan servicing business.
In Q3 2025, Nelnet reported strong financial performance: Revenue increased to $546.64M (+11.89% YoY), Net Income increased to $104.75M (+4370.76% YoY), EPS rose to 2.88 (+4700.00% YoY), and Gross Margin improved to 65.6% (+36.81% YoY).
TD Cowen raised the price target from $135 to $140 while maintaining a Hold rating. Analysts attribute the adjustment to macroeconomic factors and secular growth in specialty finance sectors such as student lending and buy-now-pay-later.
